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as well as their capacity to seek and secure new
work,” said Campo.
“The demographic of our membership means
that they face unique challenges and obstacles
in gaining life insurance and TPD insurance.
Cbus’ group cover means they obtain insurance
which many would be otherwise unable to get
individually or at an affordable price.”
LISTENING AND LEARNING
In an attempt to bring clarity to the many
elements of insurance, including the importance
of rehabilitation and positive return to work
measures, ANZ Wealth OnePath developed a
suite of videos for their super fund and financial
adviser clients to use. The videos were created
in response to the need to increase engagement
with members around the topic, and explain the
inherent benefits of insurance.
Hosted by well-known TV identity James
Mathison, the video series endeavours to make
insurance more interesting and engaging –
combining elements of fun and humour with
opinions from people on claim and industry
experts.
The video titled Your insurer is your rehab
partner highlights why working is vital to physical
health and wellbeing, and the role an insurer
can play helping a person on claim get their life
back after a serious illness or accident. The video
covers what a holistic approach to recovery looks
like, outlining the importance of a rehabilitation
team to help the person on claim identify their
individual return to work goals, and a create a
rehabilitation program to enable recovery.
Gerard Kerr, head of life insurance at
ANZ Wealth OnePath insists it is important
that insurers not only protect customers against
the financial impacts of disability, but respond
holistically to the mental health and wellbeing
challenges they may also experience.
“The nature of claims is changing. Overall,
incidences of mental illness claims in life
and disability insurance are on the rise, with
approximately 11 per cent of our total claims paid
over the past 12 months due to a mental illness,”
said Kerr.
Additionally this year, ANZ Wealth OnePath
introduced a series of personalised services that
support customer health and wellbeing in the
comfort of their home.
“In October, we announced the launch of our
mental health coaching pilot for OneCare Income
Protection customers, in partnership with Remedy
Healthcare. Customers lodging income protection
claims relating to depression or anxiety will be
offered a complimentary, optional and individually
tailored program. Customers will also be offered
the support of a Caseworks registered nurse to
visit their home and guide them through the claim
assessment process.
“Our Health Coaching pilot, which is available
after a policy has been issued, is also producing
positive early results for customers who can
address their personal health challenges with the
guidance of professional health coaches, while
also reducing or removing their premium loading.
“We understand that returning to work after
an illness or injury can be challenging, however, it
is crucial to work closely with members, employers
and health care professionals to facilitate safe
and sustainable stay at work and return to work
outcomes.”
CREATING A MENTALLY HEALTHY
WORKPLACE
Alongside their work with Cbus, SuperFriend has
been partnering with super funds and group life
insurers across Australia for the past decade to
build positive, supportive and high-performing
teams.
SuperFriend CEO Margo Lydon says the
benefits of a mentally healthier environment
can result in a reduction in business costs, and
Superfunds December 2017